k**f
发帖数: 372 | 1
-C
31
Keeping the value of your contribution will hardly help you archive your
goal -- funding your retirement life. So you should think of long term, so
at least put some money into stock market. If you do not know much about
investment, the 2035 fund might still be a good choice.
That said, if you really cannot stand loss, you can switch investment to a
money market fund if available, otherwise, pick the Lifecycle fund that is
closet to now, such as 2010. |
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E******w
发帖数: 2616 | 2 I think, a quick answer to your question is, if you have no idea about what
you should do, keep it in T-C Lifecycle 2035-Rtmt is the best choice.
If you do something before you understand what it means, that's gambling.
Gambler will lose in the long run for sure.
-C
31 |
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o*******p
发帖数: 722 | 3 like 20k or something? if bank run is to happen, we should run first. |
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t******e
发帖数: 106 | 4 As I understand, IRA investment return is tax free. So when I plan my
retiremnt plan, I should put those conservative choices in 401. Am I rite?
Thanks |
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t*****s
发帖数: 1240 | 5 market looks scary. should i move money to money market or bonds for now? |
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b****g
发帖数: 1912 | 6 I have many long term bond in my 401k, so I just want to know I should hold
or sell. thanks |
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A*****s
发帖数: 13748 | 7 http://www.reuters.com/article/2011/05/12/us-congress-oil-specu
(Reuters) - The head of Exxon Mobil (XOM.N) stopped short of blaming specula
tors for the run-up in oil prices, but he told Congress on Thursday that bas
ed only on the fundamentals of supply and demand, the price of oil should be
in the range of $60 to $70 a barrel.
"When we look at it, it's going to be somewhere in the $60 to $70 range if y
ou said: 'If I had access to the next marketable barrel, what would it cost?
" Exxon's CEO ... 阅读全帖 |
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a*****h
发帖数: 2182 | 8 year to date return -12%.
The current asset allocation is 20% growth, 30% balanced, 30% bond and 20%
cash equivalent. Yes going down even with this kind of allocation.
Should I just change all allocation and future contribution to cash
equivalent? then change it back when stock market goes back? |
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l********s
发帖数: 395 | 9 My year income about 80K, my husband about 120K.
It looks like if we file tax jointly, we are not eligible for roth IRA and
if we open a traditional IRA, there is no tax deduction.
Should I just open a traditional IRA myself, and married file separately, so
at least I get tax deduction? |
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v*********5
发帖数: 33 | 10 I am now receiving wages denominated in CHF and will have to pay my rent in
EUR for at least one year. As the EUR/CHF stays around 1.2 and considering
that SNB is protecting that exchange rate floor, should I hedge the
potential risk of appreciating EUR. which though seems unlikely in the near
future, by longing EUR/CHF?
What bothers me is the recent drop under 1.2 of EUR/CHF, is it possible that
SNB may eventually fail its job of maintaining such floor?
Thank you. |
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J******d
发帖数: 287 | 12 if my 401K plan has S&P index 500, should I put all my money into it? I
found it performs really well. |
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E*******r
发帖数: 2710 | 13 Most people here would suggest you make a portfolio, which balances US stock
, intl stock and bond. Also in US stock, small-cap, mid-cap and large-cap
should be balanced too. |
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p****y
发帖数: 1 | 14 Cannot find a new job soon, should I transfer from H1 to f1? |
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r*****t
发帖数: 712 | 15 got an IT analyst offer in an IB, didn't mention bonus, how much should
one expect for this level? 20%?
Thanks! |
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N*****a
发帖数: 499 | 16 I'm already working as OPT in this firm
should I indicate my status in the H1B application? if yes, where? in the
cover letter? |
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y******r
发帖数: 634 | 17 One more question:
Which form should I file? The HR only gave me Form W-4. |
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a****f
发帖数: 944 | 18 【 以下文字转载自 Overseas 讨论区 】
发信人: abcdef (aa), 信区: Overseas
标 题: being tortured by my advisor, what should I do?
发信站: BBS 未名空间站 (Tue Feb 9 10:55:16 2010, 美东)
I have done a lot of academic related things without asking for his approval
. I think he is really mad at me now and starting to torture me.
However, he wouldn't allow me to do anything except working in the lab. If I
make connections with other professionals in order to build my career, or I
apply for attending an academic symposium, etc, h |
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c**********n
发帖数: 516 | 19 【 以下文字转载自 Faculty 讨论区 】
发信人: chenmoshijin (wowowowo), 信区: Faculty
标 题: How should I search for postdoc positions in CS, thanks!
发信站: BBS 未名空间站 (Wed Mar 17 12:38:16 2010, 美东)
I am just too ignorant :(
Could anyone point to some resources or tips for postdoc position search?
In case it varies with area, I am interested in networking and distributed
systems in general. Thanks very much!!! |
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u****s
发帖数: 2186 | 20 take it easy, it's very simple, just prepare as if it's a SCJP program.
try to do all the mock tests on javaranch.com, you will see what you need to
pay attention.
some tests are tricky, if you can take it at home, just open an IDE to copy
paste the source code into IDE.
You should get at least 90%. |
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g*********y
发帖数: 123 | 21 I applied for a position months ago and got a response later that the search
was canceled. Now they reopened it, I am wondering if I should apply for it
again. Anyone experienced, please give some advices. Thanks. |
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d*****o
发帖数: 28 | 22 Exactly two weeks ago on Friday I on-site interviewed with a local company.
After the interviewing, I had got no response. Last Friday, I had the first
follow up with the recruiter, but got no reply to my email. should I follow
up with the recruiter the second time? Also, The hiring manager let me do
an assignment to send back to him in the phone interview, so I had his email
, is it OK I follow up with the hiring manager?
I did not get any interview opportunity from the top companies like Goog |
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h****h
发帖数: 1168 | 23 before your are leagally employeed,
u should be able to decide what u work.
or |
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a***c
发帖数: 2443 | 24 I've been adding more and more to my master's thesis project because I
really want to get it published, and I already missed the submission
deadline for this semester. Not really a bad thing I guess, considering
I haven't even begun studying for job interviews.
My advisor said I can defend in the beginning of next semester as long
as I have everything ready and can gather around the committee members,
which is going to be late January.
That gives me 2-3 months to finish writing and I'm hoping I ... 阅读全帖 |
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G**7
发帖数: 391 | 25 I applied for one position at one university (onsite). Researcher position
. The reason is: I spoke aggressively.
Now they have data analyst position openings. Do you think I should apply? |
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P*******1
发帖数: 1022 | 26 Could I follow up the next day to make sure they have received the material?
When I call the next day, should I try to see if I can set up an interview?
Is it too aggressive? |
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a*****s
发帖数: 1121 | 27 I have the experience about being asked the VISA status. After they know,
they dispear. What a fuck.
Current consultant company said there is a big oppurtunity in SF. They even
ask whether I get married and how many children. I did not tell them my VISA
status. However, I send email several times to ask or even teach me how to
clrealy say your VISA status(I indirectly said but did not say it directly).
What should I do? |
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s******1
发帖数: 178 | 28 Today, I received an offer from a company at NYC, around 90k, current salary
around 70k. I have some issues here and not sure I should accept the offer
or not.
1)My current position is very stable and not too many pressure and I still
can learn a lot. The position at NYC seems not stable and lots of pressure.
2)My husband is working at NYC and he drives almost 3 hours every week to my
place. If I move to NYC, he does not drive, but both of us need to commute
at least 2.5 hours one day. Big chall... 阅读全帖 |
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n***i
发帖数: 777 | 29 should be:
1- (X-20000)/X * ( 1 - 65000/(124000-20000))
X = 40000, 84.375%
X = 30000, 89.688% |
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d*******t
发帖数: 273 | 30 Singapore portion? The math is correct, i am not a visa expert, so you can
fill in what ever that number should be in that "5800" field. |
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b**y
发帖数: 400 | 31 I got an RFE for my OPT application. There are 3 paragraphes in the letter.
They are in the same font and font size. I want to confirm what USCIS wants.
"Provide this office with the neccessary evidence to clearly illustrate that
the applicant has met, and currently meets, the requisite eligibility
requirements for an Employment Authorization Document (EAD).
The background of the submitted photographs was too dark. As such, please
provide:
* Photographs: - Please submit two identical passport-st... 阅读全帖 |
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b*******e
发帖数: 217 | 32 Hi for a senior engineer with > 10 years experience, if he jumps to a
different company, should he expect > 20% raise or more? |
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H*******g
发帖数: 81 | 33 Sorry i cannot type Chinese here because i am using public computer.
So here is my situation:
T offer: Data analyst, 105K base + 1500 Stocks. no sign on:(
Right now, I am working as contractor at Google, it is easier to convert
than people outside.
T initially offered only 95k base. i asked for 110k base+4000 stocks, but
they only changed to 105k base, no change on stocks. I think the offer is
too low for me to go since i have a good chance to convert at Google. But to
convert at Google is not 1... 阅读全帖 |
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w*******n
发帖数: 14 | 34 Negotiate with the company. I guess most companies are nice enough to waive
it.
However it seems that if the company insists that you should payback, you
will have to. |
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s******e
发帖数: 63 | 35 I worked as independent contractor for several months. I am applying to one
company and its employment application needs to list previous employment
history. Should I list Independent Contractor under it? if so, Name of
Employer would be my name? thanks! |
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s*****a
发帖数: 438 | 36 Had an onsite with G 10 days ago, still no news. However, I just got a
verbal letter from a Start up with a big title, should I tell G recruiter
now? |
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b*******e
发帖数: 217 | 38 Always thinking about whether should jump or not.
If in non-flag with about 320k with 10-15 years
Exp then no need to jump any more if only for money? |
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p**********e
发帖数: 3 | 39 company A: top software company in bay area, 3000 employees, very good
performance. I graduated this may, but this company only hires me as a one-
year intern with very low pay(30,000 a year). The company told me that I can
start to look for another job when the first term of intern is over (about in
Feb) or earlier if I want. ( my opt ends June, 2006). this company is well-
known, everybody knows it
company B: Medium software company in bay area, 1000 emploees, with an office
in NC, where I wil... 阅读全帖 |
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c**y
发帖数: 9 | 40 After exhaused on-campus job hunting, finally, I get three offers; Bank of
America (Inverstment Banking), UBS (Investment Banking) and Miscrosoft (
Finance). Since I am a female and someone told me that Investment anking is
not suitable for female since it is so hard in terms of working hours and
workload. I am really do not know which sectors I should choose, IB or
Finance.
If someone know these two sectors well or have some suggestions, please give
me your advise and thanks a lot!
(My backgrou |
|
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f****d
发帖数: 612 | 42 let me copy and paste something people should be interested: it is about free
credit report.
All U.S. consumers will become eligible for free reports on the following
schedule: WESTERN STATES: Alaska, Arizona, California, Colorado, Hawaii,
Idaho, Montana, Nevada, New Mexico, Oregon, Utah, Washington, and Wyoming)
will become eligible on December 1, 2004; MIDWESTERN STATES: (Illinois,
Indiana, Iowa, Kansas, Michigan, Minnesota, Missouri, Nebraska, North Dakota,
Ohio, South Dakota, and Wisconsin) |
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g*k
发帖数: 92 | 43 http://www.aarp.org/money/financial_planning/sessionseven/payoffmortgage.html
By the National Endowment for Financial Education
Many of us dream of retiring debt free with a nest egg large enough to
sustain us in our later years. For many, this dream involves paying off a
home mortgage. Let's assume that you have available funds-from an
inheritance, lump sum payment, or sale of property, for example. Should you
use that money to pay off your mortgage? The option of paying off your
mortgage has b |
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A****Z
发帖数: 52 | 44 Seller's agent and buyer's agant are from same realty company. The buyer's
agent asked the buyer to send the deposit money to the realty company.Is
there any problem to give the money to realty company? Several days ago,
someone said the money should be sent to third party. Thanks. |
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z****n
发帖数: 1514 | 45 The rate is easing a little bit today. Should I lock now? |
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r**********9
发帖数: 141 | 46 sorry about no chinese input software. saw a REO house with agent yesterday.
It is not perfect to me, but still the best of ones that I have seen
recently. Since several families also showed in that property while we were
there, agent think we should not wait, and gave full price offer plus
several thousand more. The house is listed about 10% lower than market value
I think. It's in a nice location. good school. But lot is kind of small,
very close to the neighbor from the back yard.
The house a |
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r**********9
发帖数: 141 | 47 Posted again. sorry about no chinese input software.
saw a REO house with agent yesterday. It is not perfect to me, but still the
best of ones that I have seen recently. Since several families also showed
in that property while we were there, agent think we should not wait, and
gave full price offer plus several thousand more. The house is listed about
10% lower than market value I think. It's in a nice location. good school.
But lot is kind of small, very close to the neighbor from the back yar |
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s********2
发帖数: 152 | 48 When I search for mortgage, I ask for the cost of 800 items. This broker
told me it's 668. I paid this amount at begining. Now the loan has been
approved and the closing date is one week away. She told me I need to pay
another $450 for loan commitment fee to the bank. My understanding is this
should be included in the initial 800 items charge(I asked if this is the
total amount whatever related to bank, she said yes). I feel she is playing
trick on me. It's kind of a hidden fee.Is it common pra |
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s**********r
发帖数: 565 | 49 I am talking about professional clean up. it should be done by seller or
buyer need to find one and pay for it? |
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h****g
发帖数: 772 | 50 I decide to lock even at 4.5.
seems the lowest rate ever in history is above 4.25
so I think 4.5 should be good enough. |
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